| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAREFIRST ADMINISTRATORS5 | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | CAREFIRST ADMINISTRATORS | — | $317K | $317K | 100.00% |
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | CAREFIRST ADMINISTRATORS | — | $66K | $66K | 20.82% |
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | ONEAMERICA/AUL | $26K | $16K | $42K | 25.10% |
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | METLIFE INSURANCE COMPANY | $15K | — | $15K | 9.18% |
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | NATIONAL GUARDIAN LIFE INSURANCE CO. | $673 | — | $673 | 2.12% |
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | ONEAMERICA/AUL | $4K | $3K | $8K | 28.25% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST ADMINISTRATORS | 583 | $317K |
| Dental | METLIFE INSURANCE COMPANY | 1,573 | $167K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO. | 651 | $32K |
| Life insurance | ONEAMERICA/AUL | 652 | $27K |
| Short-term disability | ONEAMERICA/AUL | 652 | $169K |
| Prescription drug | CAREFIRST ADMINISTRATORS | 583 | $317K |
| Stop-loss / reinsurancereinsurance | CAREFIRST ADMINISTRATORS | 583 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,573 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.